Disclaimer

Rewards

Eligibility for rewards and/or account credit is subject to the terms and conditions of the Collabria MySelect Rewards and Cash Rewards programs. For full terms and conditions, visit collabriacreditcards.ca/unitedcu.

Zero Liability

Zero Liability applies to your purchases made with your credit card in the store, over the telephone, online or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if:

you have used reasonable care in protecting your card from loss or theft; and

you have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or
1.515.343.8995 (International Collect) when you knew that your credit card was lost or
stolen.

If you believe there has been unauthorized use on your account and you meet the
conditions above, you are protected by Zero Liability. If you do not meet the conditions
above, please reference your Cardholder Agreement for additional information regarding
liability.

Insurance

Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC).
ABIC, its subsidiaries and affiliates carry on business in Canada under the name of Assurant
Solutions®. ®Assurant Solutions is a registered trademark of Assurant, Inc. Details of
insurance coverage, including definitions, benefits, limitations and exclusions, are in the
Certificate of Insurance. The Certificate of Insurance is available online at
collabriacreditcards.ca/unitedcu. Insurance coverage is subject to change.

Insurance

Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company.
This document is provided for information purposes only. For details of the coverage, refer
to the insurance contract or insurance certificate available online at
collabriacreditcards.ca/unitedcu. Some conditions and restrictions apply. Insurance coverage
is subject to change.

24/7 Travel Assistance

24/7 Travel Assistance is provided by Desjardins Financial Security Life Assurance Company.
This document is provided for information purposes only. For details of the coverage, refer
to the insurance contract available online at collabriacreditcards.ca/sbicanada. Eligibility
is conditional on the card account being active and in good standing. Coverage is subject to
change.

The products, features, benefits and rewards are valid as of January 1, 2016
unless otherwise noted and are subject to change.

The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to
a license from Visa. Visa is a trademark of Visa Int. and is used under license.